Retirement Services

Get a 401(k) plan that fits your business now (and when you grow)

Easy-to-manage and easy for your employees to love, our plans deliver comprehensive recordkeeping and administration to companies with five to 500+ employees.

Did you know?

After health benefits, employees consistently rate a retirement plan as their most valued benefit.


Partner with a top service provider

With nearly $2.5 billion in plan assets and a service team that averages 15 years of industry experience, Insperity provides 401(k) plans to more than 3,000 businesses.


We put your people — not dollars — first

With 30 years of HR expertise, we're focused on serving your business and employees – not just on the money they invest. Our accessible plans have predictable fees that help employees save for retirement on their own terms.


Get a plan that meets your needs

Perhaps you just want a simple, do-it-yourself plan. Or, you might want to handpick the investments. Tell us what you need, and we have a plan that's right for you.

Our plan participants saw their 401(k) savings grow at nearly 2X the industry rate and 6X greater than plans of a similar size.

Crystal Balentine, HR director/branch administrator | FNB Bank

Learn about our cost-effective 401(k) retirement plans.

For businesses simply looking for a 401(k)

Choose from a variety of affordable, comprehensive 401(k) plans through Insperity Retirement Services. The Insperity NetSaver and Insperity Choice® 401(k) plans support any payroll system, or can be integrated with Insperity® Payroll Software, web-based software that automates your entire payroll process.

Insperity NetSaver Plans

  • Client-sponsored
  • Standard features
  • On-demand service

Two plan options with online administration allow you to offer all the essentials to your employees. Plans have affordable monthly pricing, and once your plan is set up, maintenance takes less than 30 minutes a month. Investment options are carefully selected and monitored by Morningstar.

See NetSaver details →

Insperity Choice® Plan

  • Client-sponsored
  • Flexible features
  • Dedicated service

The Insperity Choice Customized 401(k) Plan is designed for business owners who want to customize plan features and investments while still minimizing day-to-day involvement.

Take advantage of a paperless system – and get a educated service team plus expanded compliance services.

See Choice details →

For our Workforce Optimization® clients

Save on retirement plan costs while providing a first-class retirement package. And, with our payroll integration and paperless system, you can eliminate a number of tedious daily retirement plan management tasks – from sending payroll files to tracking eligibility and more.

Insperity 401(k) Plan

  • Insperity-sponsored
  • Standard features
  • Comprehensive service

Because Insperity sponsors this plan, we take care of all administration and responsibility for the plan.

The Insperity 401(k) Plan is configured with set features and some of the most popular options for small and medium-sized businesses.

An independent trustee, Reliance Trust Company, handpicks the investments from a variety of fund families, providing participants a mix of excellent investment options.

See 401(k) plan details →

Insperity Customized 401(k) Plan

  • Client-sponsored
  • Flexible features
  • Dedicated service

When you choose to sponsor an Insperity Customized 401(k) Plan, you get the ideal blend of flexibility in plan design and investment choice along with our trademark service.

A dedicated team guides you in designing your plan and helps you with ongoing administration of the plan.

See Customized 401(k) plan details →

Insperity Retirement Services delivers comprehensive 401(k) plan recordkeeping and administration to companies with five to more than 500 employees. We welcome the opportunity to help you develop a plan for your employees' future.


Learn about our cost-effective 401(k) retirement plans.

Outsourcing even a portion of your HR tasks can afford you the freedom to focus on core activities that will help you grow your business.